# Option Finance

> FCA-regulated whole-of-market mortgage broker in Derby. First-time buyers, remortgages, buy-to-let, self-employed, adverse credit, and commercial mortgages.

Option Finance is an FCA-regulated, whole-of-market mortgage broker based at 119A Friar Gate, Derby, DE1 1EX. This file maps the site's key pages for AI assistants and crawlers. Phone: 01332 470400. Email: info@optionfinance.co.uk.

## Mortgage Services
- [First-Time Buyer Mortgages](https://optionfinance.co.uk/mortgages/first-time-buyer/): Getting on the property ladder — deposits, schemes, guarantor and shared ownership.
- [Remortgages](https://optionfinance.co.uk/mortgages/remortgages/): Switching deals, releasing equity, debt consolidation and product transfers.
- [Buy-to-Let Mortgages](https://optionfinance.co.uk/mortgages/buy-to-let/): Landlords, limited company BTL, HMOs, portfolios and holiday lets.
- [Moving Home](https://optionfinance.co.uk/mortgages/moving-home/): Porting, new builds, leasehold and second homes.
- [Self-Employed Mortgages](https://optionfinance.co.uk/mortgages/self-employed/): Sole traders, contractors, company directors and complex income.
- [Commercial & Specialist Finance](https://optionfinance.co.uk/mortgages/commercial/): Commercial mortgages, semi-commercial, bridging and development finance.
- [Adverse Credit Mortgages](https://optionfinance.co.uk/mortgages/bad-credit/): CCJs, defaults, IVAs, DMPs, bankruptcy and repossession.

## Calculators
- [Affordability Calculator](https://optionfinance.co.uk/calculators/affordability/)
- [Mortgage Repayment Calculator](https://optionfinance.co.uk/calculators/mortgage-repayment/)
- [Repayment Calculator](https://optionfinance.co.uk/calculators/repayment/)
- [Remortgage Calculator](https://optionfinance.co.uk/calculators/remortgage/)
- [Overpayment Calculator](https://optionfinance.co.uk/calculators/overpayment/)
- [Interest-Only vs Repayment Calculator](https://optionfinance.co.uk/calculators/interest-only-vs-repayment/)
- [Stamp Duty Calculator](https://optionfinance.co.uk/calculators/stamp-duty/)
- [Bad Credit Mortgage Calculator](https://optionfinance.co.uk/calculators/bad-credit/)
- [Self-Employed Mortgage Calculator](https://optionfinance.co.uk/calculators/self-employed/)

## Guides & Advice
- [All Mortgage Guides](https://optionfinance.co.uk/guides/): 96 in-depth guides across every mortgage situation.
- [Mortgage Glossary](https://optionfinance.co.uk/guides/mortgage-glossary/)
- [Today's Mortgage Rates](https://optionfinance.co.uk/guides/todays-rates/)

### Adverse Credit (hub: https://optionfinance.co.uk/guides/bad-credit/)
- [Bad Credit Mortgages: How to Get Approved with Adverse Credit in 2025](https://optionfinance.co.uk/guides/bad-credit/bad-credit-mortgages-get-approved-in-2025/)
- [Can I Get a Mortgage with a Debt Relief Order (DRO)?](https://optionfinance.co.uk/guides/bad-credit/can-i-get-a-mortgage-with-a-debt-relief-order/)
- [Can I Get a Mortgage with a Default](https://optionfinance.co.uk/guides/bad-credit/can-i-get-a-mortgage-with-a-default-2/)
- [Can I Get a Mortgage with a Default](https://optionfinance.co.uk/guides/bad-credit/can-i-get-a-mortgage-with-a-default/)
- [Getting a Mortgage After a Repossession](https://optionfinance.co.uk/guides/bad-credit/mortgage-after-a-repossession/)
- [Getting a Mortgage After an Individual Voluntary Arrangement (IVA)](https://optionfinance.co.uk/guides/bad-credit/getting-a-mortgage-after-an-individual-voluntary-arrangement-iva/)
- [Getting a Mortgage After Late Payments](https://optionfinance.co.uk/guides/bad-credit/getting-a-mortgage-after-late-payments/)
- [Getting a Mortgage with a CCJ](https://optionfinance.co.uk/guides/bad-credit/getting-a-mortgage-with-a-ccj/)
- [Getting a Mortgage with a Debt Management Plan (DMP)](https://optionfinance.co.uk/guides/bad-credit/getting-a-mortgage-with-a-debt-management-plan-dmp/)
- [Joint Mortgage with Bad Credit](https://optionfinance.co.uk/guides/bad-credit/joint-mortgage-with-bad-credit/)
- [Missed Payment Mortgages](https://optionfinance.co.uk/guides/bad-credit/missed-payment-mortgages/)
- [Mortgage after using payday loans](https://optionfinance.co.uk/guides/bad-credit/mortgage-after-using-payday-loans-2/)
- [Mortgage after using payday loans](https://optionfinance.co.uk/guides/bad-credit/mortgage-after-using-payday-loans/)
- [Mortgages After Late Payments](https://optionfinance.co.uk/guides/bad-credit/mortgages-after-late-payments/)
- [Mortgages for Discharged Bankrupts](https://optionfinance.co.uk/guides/bad-credit/mortgages-for-discharged-bankrupts/)
- [Mortgages for Self-Employed with Bad Credit](https://optionfinance.co.uk/guides/bad-credit/mortgages-for-self-employed-with-bad-credit/)

### Buy-to-Let (hub: https://optionfinance.co.uk/guides/buy-to-let/)
- [Buy To Let Mortgage On New Build Property](https://optionfinance.co.uk/guides/buy-to-let/buy-to-let-mortgage-on-new-build-property/)
- [Buy To Let Mortgages Explained](https://optionfinance.co.uk/guides/buy-to-let/buy-to-let-mortgages-explained/)
- [Buy to Let Mortgages for UK expats](https://optionfinance.co.uk/guides/buy-to-let/buy-to-let-mortgages-for-uk-expats/)
- [Buy-to-Let Mortgages for First Time Buyers](https://optionfinance.co.uk/guides/buy-to-let/buy-to-let-mortgages-for-first-time-buyers/)
- [Buy-to-Let Mortgages with Bad Credit](https://optionfinance.co.uk/guides/buy-to-let/buy-to-let-mortgages-with-bad-credit/)
- [Buy-to-Let Remortgage](https://optionfinance.co.uk/guides/buy-to-let/buy-to-let-remortgage/)
- [Buy-to-Let Repayment Mortgages.](https://optionfinance.co.uk/guides/buy-to-let/buy-to-let-repayment-mortgages-2/)
- [Guide to HMO Mortgages](https://optionfinance.co.uk/guides/buy-to-let/guide-to-hmo-mortgages/)
- [Interest Only Buy To Let Mortgage](https://optionfinance.co.uk/guides/buy-to-let/interest-only-buy-to-let-mortgage/)
- [Let to Buy Mortgages. What They Are and How They Work](https://optionfinance.co.uk/guides/buy-to-let/let-to-buy-mortgages-what-are-they/)
- [Ltd Company Buy To Let Mortgage: The Complete Investor's Guide to Limited Company Mortgages](https://optionfinance.co.uk/guides/buy-to-let/ltd-company-buy-to-let-mortgages-explained/)
- [Mortgages For Holiday Let](https://optionfinance.co.uk/guides/buy-to-let/mortgages-for-holiday-let/)
- [Regulated Buy to Let Mortgages: What They Are and When to Use Them](https://optionfinance.co.uk/guides/buy-to-let/regulated-buy-to-let-mortgages-complete-guide/)
- [The Ultimate UK Buy to let Mortgage Guide 2026](https://optionfinance.co.uk/guides/buy-to-let/the-ultimate-uk-buy-to-let-mortgage-guide-2026/)
- [What Is an Offset Buy to Let Mortgage?](https://optionfinance.co.uk/guides/buy-to-let/what-is-an-offset-buy-to-let-mortgage/)

### Commercial (hub: https://optionfinance.co.uk/guides/commercial/)
- [Bed and Breakfast and Guest House Mortgage: A Complete Guide](https://optionfinance.co.uk/guides/commercial/bed-and-breakfast-and-guest-house-mortgages/)
- [Bridging Loans](https://optionfinance.co.uk/guides/commercial/understanding-bridging-loans-best-guide/)
- [Commercial Buy to Let Mortgages](https://optionfinance.co.uk/guides/commercial/commercial-buy-to-let-mortgages/)
- [Commercial Mortgages](https://optionfinance.co.uk/guides/commercial/commercial-mortgages/)
- [Commercial Mortgages for Care Homes](https://optionfinance.co.uk/guides/commercial/commercial-mortgages-for-care-homes/)
- [Commercial Second Charge Mortgages](https://optionfinance.co.uk/guides/commercial/commercial-second-charge-mortgages/)
- [Essential Guide to Auction Finance for Smart Property Investors](https://optionfinance.co.uk/guides/commercial/essential-guide-to-auction-finance/)
- [Land Mortgages, What Are They And How Do They Work?](https://optionfinance.co.uk/guides/commercial/land-mortgages-how-do-they-work-2025/)
- [Mortgages for Semi-Commercial Property: Complete Guide 2025](https://optionfinance.co.uk/guides/commercial/mortgages-for-semi-commercial-property/)
- [Portfolio Mortgages for Landlords: A Comprehensive Guide](https://optionfinance.co.uk/guides/commercial/portfolio-mortgages-for-landlords-in-2025/)
- [Pub Mortgages: A Guide to Financing Licensed Premises](https://optionfinance.co.uk/guides/commercial/pub-mortgages-financing-licensed-premises/)
- [Refurbishment Mortgages: When They’re the Right Choice and Who They’re For](https://optionfinance.co.uk/guides/commercial/refurbishment-mortgages-how-they-work/)
- [Self Build Mortgages: A Complete Guide for Home Builders and Investors](https://optionfinance.co.uk/guides/commercial/self-build-mortgages-for-home-builders/)
- [The Ultimate UK Commercial Mortgage Guide 2026](https://optionfinance.co.uk/guides/commercial/the-ultimate-uk-commercial-mortgage-guide-2026/)
- [Understanding Hotel Mortgages: What They Are & How They Work](https://optionfinance.co.uk/guides/commercial/hotel-mortgages-how-they-work-2025/)
- [What Is Development Finance & How Does It Work?](https://optionfinance.co.uk/guides/commercial/what-is-development-finance-2025/)

### First-Time Buyer (hub: https://optionfinance.co.uk/guides/first-time-buyer/)
- [Family Springboard Mortgages Explained: A Guide for First-Time Buyers & Supporters](https://optionfinance.co.uk/guides/first-time-buyer/family-springboard-mortgages-explained-2025/)
- [First Time Buyer Mistakes to Avoid When Getting a Mortgage](https://optionfinance.co.uk/guides/first-time-buyer/first-time-buyer-mistakes-to-avoid-when-getting-a-mortgage/)
- [Government Schemes for First Time Buyers in 2025](https://optionfinance.co.uk/guides/first-time-buyer/government-schemes-for-first-time-buyers-2025/)
- [Help to Buy Scheme – Everything You Need to Know (2025)](https://optionfinance.co.uk/guides/first-time-buyer/help-to-buy-scheme-need-to-know-guide-2025/)
- [Joint Borrower Sole Proprietor Mortgages: What is a JBSP Mortgage?](https://optionfinance.co.uk/guides/first-time-buyer/joint-borrower-sole-proprietor-mortgages/)
- [Mortgage Deposits](https://optionfinance.co.uk/guides/first-time-buyer/mortgage-deposits/)
- [Mortgage With A Gifted Deposit: Everything You Need to Know](https://optionfinance.co.uk/guides/first-time-buyer/mortgages-with-a-gifted-deposit-guide-2025/)
- [Mortgages for Leasehold Property?](https://optionfinance.co.uk/guides/first-time-buyer/mortgages-for-leasehold-property-2025/)
- [Mortgages for New Build Homes?](https://optionfinance.co.uk/guides/first-time-buyer/mortgages-for-new-build-homes/)
- [Right to Acquire Mortgages: A Comprehensive Guide to Buying Your Home](https://optionfinance.co.uk/guides/first-time-buyer/right-to-acquire-mortgages-best-guide-2025/)
- [Right to Buy Mortgages: Your Comprehensive 2025 Guide](https://optionfinance.co.uk/guides/first-time-buyer/right-to-buy-mortgages-2025/)
- [Shared Ownership Mortgages: A Complete Guide for Buyers in 2025](https://optionfinance.co.uk/guides/first-time-buyer/shared-ownership-mortgages-a-complete-guide/)
- [Single Person Mortgages: The complete Guide 2025](https://optionfinance.co.uk/guides/first-time-buyer/single-person-mortgages-complete-guide/)
- [The Ultimate UK First-Time Buyer Mortgage Guide 2026](https://optionfinance.co.uk/guides/first-time-buyer/the-ultimate-uk-first-time-buyer-mortgage-guide-2026/)
- [What Is a First Time Buyer? Full Guide 2025](https://optionfinance.co.uk/guides/first-time-buyer/what-is-a-first-time-buyer-full-guide-in-2025/)
- [Why Choose a Guarantor Mortgage?](https://optionfinance.co.uk/guides/first-time-buyer/guarantor-mortgages-for-first-time-buyers/)

### Mortgage Guides
- [A-Z of Mortgage Jargon: Your Complete Guide to Understanding Mortgage Terms.](https://optionfinance.co.uk/guides/mortgage-guides/a-z-of-mortgage-jargon-your-complete-guide-to-understanding-mortgage-terms/)
- [Specialist Mortgage Brokers vs High Street Banks: Which is Right for You?](https://optionfinance.co.uk/guides/mortgage-guides/specialist-mortgage-brokers-vs-high-street-banks-which-is-right-for-you/)
- [The Ultimate UK Mortgage Guide 2026](https://optionfinance.co.uk/guides/mortgage-guides/the-ultimate-uk-mortgage-guide-2026/)

### Moving Home (hub: https://optionfinance.co.uk/guides/moving-home/)
- [The Ultimate UK Home Mover Mortgage Guide 2026](https://optionfinance.co.uk/guides/moving-home/the-ultimate-uk-home-mover-mortgage-guide-2026/)

### Remortgages (hub: https://optionfinance.co.uk/guides/remortgages/)
- [Costs and Fees When Remortgaging: What You Really Need to Know in 2025](https://optionfinance.co.uk/guides/remortgages/costs-and-fees-when-remortgaging-top-tips/)
- [Costs and Fees When Remortgaging: What You Really Need to Know in 2025](https://optionfinance.co.uk/guides/remortgages/costs-and-fees-when-remortgaging-guide-2025/)
- [How to Remortgage a Commercial Property](https://optionfinance.co.uk/guides/remortgages/how-to-remortgage-a-commercial-property/)
- [How to Remortgage an Unencumbered Property: A Guide to Unlocking Your Home’s Value](https://optionfinance.co.uk/guides/remortgages/how-to-remortgage-an-unencumbered-property/)
- [How to Remortgage: Everything You Need to Know About Remortgaging a Property](https://optionfinance.co.uk/guides/remortgages/how-to-remortgage-everything-you-need-to-know/)
- [Remortgage to Buy a Second Home: A Complete Guide for Homeowners & Landlords](https://optionfinance.co.uk/guides/remortgages/remortgage-to-buy-a-second-home/)
- [Remortgaging a Shared Ownership Property: Complete Guide for Homeowners](https://optionfinance.co.uk/guides/remortgages/remortgaging-a-shared-ownership-property/)
- [Remortgaging for Debt Consolidation: A Smart Way to Regain Control of Your Finances](https://optionfinance.co.uk/guides/remortgages/remortgaging-for-debt-consolidation/)
- [Remortgaging v Product Transfer – Which Is Right for You?](https://optionfinance.co.uk/guides/remortgages/remortgaging-v-product-transfer-guide-2025/)
- [Remortgaging When Self Employed – Everything You Need to Know](https://optionfinance.co.uk/guides/remortgages/remortgaging-when-self-employed-best-guide/)
- [Remortgaging with an Early Repayment Charge](https://optionfinance.co.uk/guides/remortgages/remortgaging-with-an-early-repayment-charge/)
- [Remortgaging with Bad Credit: A Complete Guide for 2025](https://optionfinance.co.uk/guides/remortgages/guide-to-remortgaging-with-bad-credit-2025/)
- [The Ultimate UK Remortgage Guide 2026](https://optionfinance.co.uk/guides/remortgages/the-ultimate-uk-remortgage-guide-2026/)
- [Today’s Mortgage Rates: For Homebuyers and Remortgaging](https://optionfinance.co.uk/guides/remortgages/todays-mortgage-rates-for-homebuyers-and-remortgaging/)
- [What is Debt Consolidation?](https://optionfinance.co.uk/guides/remortgages/what-is-debt-consolidation/)

### Self-Employed (hub: https://optionfinance.co.uk/guides/self-employed/)
- [Can You Have More Than One Mortgage?](https://optionfinance.co.uk/guides/self-employed/can-you-have-more-than-one-mortgage/)
- [Capital Gains Tax and How It Works Explained](https://optionfinance.co.uk/guides/self-employed/capital-gains-tax-and-how-it-works-explained/)
- [Construction Industry Scheme Mortgages (CIS)](https://optionfinance.co.uk/guides/self-employed/construction-industry-scheme-mortgages-cis/)
- [Contractor Mortgages](https://optionfinance.co.uk/guides/self-employed/essential-guide-to-contractor-mortgages/)
- [Getting a Mortgage with 1 Year's Accounts for Self-Employed Individuals](https://optionfinance.co.uk/guides/self-employed/getting-a-mortgage-with-1-years-accounts-for-self-employed-individuals/)
- [Mortgages for Limited Company Directors – The Complete 2025 Guide](https://optionfinance.co.uk/guides/self-employed/mortgages-for-limited-company-directors-the-complete-2025-guide/)
- [Remortgaging When Self-Employed: A Complete Guide 2025](https://optionfinance.co.uk/guides/self-employed/remortgaging-when-self-employed/)
- [Self Employed With Complex Income](https://optionfinance.co.uk/guides/self-employed/self-employed-with-complex-income/)
- [Self-Employed Bad Credit Mortgages: How to Get Approved](https://optionfinance.co.uk/guides/self-employed/self-employed-bad-credit-mortgages/)
- [Self-Employed Mortgage With No Accounts: All You Need To Know](https://optionfinance.co.uk/guides/self-employed/self-employed-mortgage-with-no-accounts/)
- [Stamp Duty Explained](https://optionfinance.co.uk/guides/self-employed/stamp-duty-explained/)
- [Temporary Contractor Mortgages](https://optionfinance.co.uk/guides/self-employed/temporary-contractor-mortgages-essential-guide/)
- [The Latest Remortgage Deals.](https://optionfinance.co.uk/guides/self-employed/the-latest-remortgage-deals/)
- [The Ultimate Self-Employed UK Mortgage Guide 2026](https://optionfinance.co.uk/guides/self-employed/ultimate-self-employed-uk-mortgage-guide-2026/)

## Company
- [About Option Finance](https://optionfinance.co.uk/about/): Who we are and how we work.
- [Meet the Team](https://optionfinance.co.uk/about/team/): Our FCA-regulated advisers.
- [How It Works](https://optionfinance.co.uk/about/how-it-works/)
- [Why Choose Us](https://optionfinance.co.uk/about/why-choose-us/)
- [Reviews](https://optionfinance.co.uk/about/reviews/)
- [Case Studies](https://optionfinance.co.uk/about/case-studies/)
- [Contact](https://optionfinance.co.uk/about/contact/): Call 01332 470400 or email info@optionfinance.co.uk.
- [Request a Callback / Apply](https://optionfinance.co.uk/apply-now/)

## Legal
- [Privacy Policy](https://optionfinance.co.uk/privacy-policy/)
- [Terms & Conditions](https://optionfinance.co.uk/terms-and-conditions/)
- [Cookie Policy](https://optionfinance.co.uk/cookie-policy/)
- [Disclaimer](https://optionfinance.co.uk/disclaimer/)
- [Complaints Procedure](https://optionfinance.co.uk/complaints-procedure/)